In this episode, Renae is joined by Christine Castley, former CEO of Multicultural Australia and current Chair of the Australian Multicultural Council, for a profound conversation about financial literacy as a community issue rather than just an individual problem. Christine delves into her own migration story—arriving in Australia at age 15 and watching her family’s savings lose two-thirds of their value overnight due to exchange rates—and how that shaped her understanding of the vulnerabilities migrants face when navigating unfamiliar financial systems. She provides invaluable insights into why financial literacy is fundamentally about culture, values, and life skills, not just dollars and cents.

Christine shares powerful stories about creating financial capability in unexpected ways, from a shelter manager in Mount Isa who taught every woman fleeing domestic violence to build and manage a budget, to a cantankerous fruit shop owner who taught stolen kids work ethics by making them work for food and eventually helping them get real jobs. Her insights provide a deeper understanding of how small gestures—a sausage sizzle in a park, teaching someone to use a cash register, signing a waiver for air conditioning for someone with MS—create human connection that opens doors to financial education, employment, and ultimately, dignity and hope.

In the final part of the episode, Christine discusses systemic approaches to financial inclusion, including programs like Work and Welcome that provide refugees with paid work experience to overcome the barriers of having no Australian references. She emphasizes that financial literacy isn’t one-size-fits-all and requires “”Trojan horse solutions””—meeting people where they are, building trust through connection, and recognizing that privilege isn’t about having no struggles, but about having navigated systems that others are still learning. With wisdom drawn from 25 years in government human services and community leadership, this episode offers key takeaways for anyone interested in financial literacy, community development, and creating a more inclusive society.

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